<p>呼吁允许香港年轻家庭使用部分强制性养老金储蓄购房的声音再次响起。最近的一项调查发现，高昂的房价和巨额的首付款抑制了他们拥有房产的愿望。这项于周日发布的研究还呼吁政府向首次购房者提供住房贷款，并将中等收入购房者购买补贴销售公寓所需的首付款减半。两个政策智库——新青年论坛和公共房屋协会，在 3 月 27 日至 4 月 17 日期间通过电话采访了 1073 人，以了解他们对拥有住房的看法。其中，321 人年龄在 18 至 40 岁之间。研究结果显示，年轻人对拥有住房的渴望低于年长居民，18 至 40 岁年龄段的平均得分为 5.06（满分 10 分），而 40 岁以上的平均得分为 5.8。对于那些不急于购房的人，46.4% 的人将 “房价高不可攀” 视为主要原因，另有 21.3% 的人不想面临长期的按揭还款负担。在被调查的年轻人中，25.9% 的人认为自己永远无法存够首付款，另有 26.5% 的人预计至少需要 10 年才能存够所需的资金。公共房屋协会执行董事邱国伟表示：“高额的首付款是许多年轻家庭面临的主要问题。如果我们能够允许他们使用部分强制性公积金（MPF）储蓄来购房，这将对他们大有帮助。” 他补充道：“这对那些工作了一段时间的 30 至 40 岁之间的人，或是最渴望为新家庭购房的新婚夫妇来说，尤其有帮助。” 但政府此前对类似提议持谨慎态度，认为减少累积福利可能会削弱该计划作为退休保障的有效性。还有人担心该提议可能会刺激房地产需求并推高价格。但邱国伟辩称：“现在房地产市场已经变得更加稳定。我们认为这是政府考虑更多帮助人们拥有自己住房的合适时机。” 他还呼吁将购买居屋（HOS）公寓所需的首付款从目前的 10% 降低至 5%。香港特首李家超承诺通过扩大 “住房阶梯” 来提高住房拥有率。在现行政府政策下，年龄在 40 岁以下的年轻家庭申请者和单身申请者将获得额外的名额购买居屋公寓。同时，还为 40 岁以下的申请者预留了 2000 个特别名额，用于 “白表二手市场计划”。</p>

瑞安房地产

华夏中证全指房地产ETF

南方中证全指房地产ETF

房地产ETF

<p>呼吁香港年轻家庭可以使用部分强积金（MPF）储蓄用于购房的声音再次响起，因为最近的一项调查显示年轻居民对拥有住房的兴趣正在下降。研究表明，高昂的房价和巨额的首付款让许多人却步，其中 46.4% 的人提到负担能力问题。建议包括向首次购房者提供住房贷款，并降低补贴房屋的首付款。政府对使用强积金持谨慎态度，担心这可能会削弱退休储蓄并推高房价</p>

<p>Calls have been renewed to allow Hong Kong’s young families to use part of their mandatory pension savings to buy homes, with a recent survey finding that high flat prices and large down payments have dampened their desire to own property. The study released on Sunday also called for the government to offer housing loans to first-time buyers and to halve the down payment required for middle-income home hunters to buy subsidised sale flats. Two policy think tanks, New Youth Forum and the Federation of Public Housing Estates, interviewed 1,073 people over the phone between March 27 and April 17 to gauge their views on home ownership. Among them, 321 were aged between 18 and 40. The findings showed that younger people had a weaker desire for home ownership than older residents, with an average score of 5.06 for those aged from 18 to 40, on a scale of one to 10, with 10 being the highest. By comparison, those aged over 40 scored an average of 5.8. For those not eager to buy homes, 46.4 per cent cited “flat prices beyond reach” as the main reason, while another 21.3 per cent did not want to face the long-term financial burden of mortgage payments. Of the young people polled, 25.9 per cent did not think they could ever save enough money for a down payment, while another 26.5 per cent expected it to take them at least 10 years to save the money needed. “The large down payment is a main issue for many young families,” said federation executive director Anthony Chiu Kwok-wai. “If we can allow them to use part of their Mandatory Provident Fund [MPF] savings to buy flats, this will be of great help to them. “It is most helpful to those aged between 30 and 40 who have worked for some time or newlyweds who are the most eager to buy flats for their new family.” But the government has previously expressed caution about similar proposals to tap the MPF, saying that reducing accrued benefits may undermine the scheme’s effectiveness as retirement protection. Concerns were also raised that the proposal could fuel property demand and push up prices. But Chiu argued: “The property market has become more stable now. We believe it is a suitable time for the government to think of more ways to help people own their own homes.” He also called for easing the down payment needed to buy Home Ownership Scheme (HOS) flats to 5 per cent of the purchase prices from the current 10 per cent. Hong Kong leader John Lee Ka-chiu has vowed to boost home ownership by expanding the “housing ladder”. Under present government policies, young family applicants and single applicants under the age of 40 will be offered an extra quota spot to buy HOS flats. And a special quota of 2,000 has also been set aside for under-40 applicants for the “white form secondary market scheme”.</p>
<div class="lb-trans"><p>呼吁允许香港年轻家庭使用部分强制性养老金储蓄购房的声音再次响起。最近的一项调查发现，高昂的房价和巨额的首付款抑制了他们拥有房产的愿望。这项于周日发布的研究还呼吁政府向首次购房者提供住房贷款，并将中等收入购房者购买补贴销售公寓所需的首付款减半。两个政策智库——新青年论坛和公共房屋协会，在 3 月 27 日至 4 月 17 日期间通过电话采访了 1073 人，以了解他们对拥有住房的看法。其中，321 人年龄在 18 至 40 岁之间。研究结果显示，年轻人对拥有住房的渴望低于年长居民，18 至 40 岁年龄段的平均得分为 5.06（满分 10 分），而 40 岁以上的平均得分为 5.8。对于那些不急于购房的人，46.4% 的人将 “房价高不可攀” 视为主要原因，另有 21.3% 的人不想面临长期的按揭还款负担。在被调查的年轻人中，25.9% 的人认为自己永远无法存够首付款，另有 26.5% 的人预计至少需要 10 年才能存够所需的资金。公共房屋协会执行董事邱国伟表示：“高额的首付款是许多年轻家庭面临的主要问题。如果我们能够允许他们使用部分强制性公积金（MPF）储蓄来购房，这将对他们大有帮助。” 他补充道：“这对那些工作了一段时间的 30 至 40 岁之间的人，或是最渴望为新家庭购房的新婚夫妇来说，尤其有帮助。” 但政府此前对类似提议持谨慎态度，认为减少累积福利可能会削弱该计划作为退休保障的有效性。还有人担心该提议可能会刺激房地产需求并推高价格。但邱国伟辩称：“现在房地产市场已经变得更加稳定。我们认为这是政府考虑更多帮助人们拥有自己住房的合适时机。” 他还呼吁将购买居屋（HOS）公寓所需的首付款从目前的 10% 降低至 5%。香港特首李家超承诺通过扩大 “住房阶梯” 来提高住房拥有率。在现行政府政策下，年龄在 40 岁以下的年轻家庭申请者和单身申请者将获得额外的名额购买居屋公寓。同时，还为 40 岁以下的申请者预留了 2000 个特别名额，用于 “白表二手市场计划”。</p>
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要求动用强积金用于购房的呼声日益高涨，因为年轻香港人购房的欲望正在减弱